With the Concordia Disability and Survivor Plan, you are able to provide your workers with financial benefits during times of unexpected hardships. The CDSP provides:
Disability benefits for when they are unable to work due to an illness or injury.
Life Insurance benefits should a member or enrolled dependent pass away.
These benefits are fully funded by the employer. Benefit amounts are based on the worker’s salary, as reported on the Annual Compensation Report. For more information on ACRs, click here.
Disability Benefits
The CDSP provides disability benefits to your workers. If an enrolled worker misses more than seven consecutive calendar days due to an approved medical condition, he/she is eligible to apply for disability benefits.
Up to 30 days prior to an anticipated disability (i.e., scheduled surgery or pregnancy with delivery),
As soon as it appears the member’s condition will last more than seven calendar days, or
Up to 90 days after the disability begins.
Workers can view their potential disability benefit amount by logging into the Member Portaland viewing their Personal Statement of Benefits.
Lincoln Financial Group is the service provider for our CDSP disability benefits. A disabled worker will be assigned a case manager who will work directly with him/her throughout their claim. Once Lincoln Financial Group has approved the claim and the
seven-day waiting period is over, the worker will be eligible to receive disability benefits. The duration of the benefit is determined by Lincoln Financial Group and will be based on the nature of the worker’s condition and information supplied
by the treating physician.
For more information about disability benefits click here.
Providing your workers and their families with the safety net of life insurance helps provides peace of mind. In addition, life insurance is increasingly becoming a standard of quality benefits at employers.
Workers who are enrolled in the CDSP receive a Basic Life benefit for themselves and their enrolled dependents. Workers can view their Basic Life benefit amounts by logging into the Member Portaland viewing their Personal Statement of Benefits.
These benefits are considered taxable group-term life insurance benefits and will require taxes to be withheld through payroll deductions for your workers. For more information on group-term life reporting click here.
To provide further financial protection, members may elect to purchase additional supplemental life insurance for themselves and their family members. Workers can purchase supplemental life:
Within 60 days of hire or a life-changing event with guaranteed coverage, or
any time without guaranteed coverage (requiring evidence of insurability) through the member portal.
You will need to deduct supplemental life insurance premiums from the worker’s paycheck.
Members can report the death of a worker or dependent by completing the online submission form or calling Concordia Plans at 888-927-7526. We are here to help walk the worker (or the surviving beneficiaries) through the claim process. We will mail the worker a packet with resources and
the necessary paperwork.
Note: Each claim for benefits will require a certified copy of the death certificate.
In the event that a member dies while overseas, the death needs to be reported to the U.S. Embassy in the country in which the death occurred. Additional documentation needed may include: police report, physician’s statement, certified death certificate
and canceled passport.
After a worker leaves their LCMS employer, they may be able to continue their Basic Life Insurance benefits and supplemental life insurance by porting their coverage, which means they may be able to take their employer-provided group coverage and convert it into individual coverage. Members should contact Securian at 866-293-6047 for details. Information about benefit portability will be provided to workers when their benefits end.
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